State Bank of India
NAVILUR BRANCH
+918227274432
Related Branches
Understanding IFSC Code: The Digital DNA of State Bank of India
When performing any digital transaction in India, the Indian Financial System Code
(IFSC) acts as a critical identifier. For the NAVILUR
branch of State Bank of India, the code SBIN0040474 ensures
that your funds are routed through the Reserve Bank of India's (RBI) structured network without manual
errors. In an era of instant payments, having the correct IFSC is as important as the account number
itself.
Anatomy of the SBIN0040474 Code
An IFSC is an 11-character alphanumeric code. Let's break down the logic behind the code for this specific branch:
Bank Identity
"SBIN" represents State Bank of India
Control Character
Always '0' (Reserved for future use)
Branch Locator
Unique code for NAVILUR
Payment Systems Supported by SBIN0040474
| System | Transfer Limit | Processing Time |
|---|---|---|
| NEFT | No Minimum (Up to ₹50 Lakhs+) | Half-hourly batches (24x7) |
| RTGS | Minimum ₹2 Lakhs | Real-time settlement |
| IMPS | Up to ₹5 Lakhs | Instant (Mobile/P2P) |
Why do you need the MICR Code?
While IFSC is for digital transfers, the Magnetic Ink Character Recognition
(MICR) code—571002361—is primarily
used for the processing and clearance of physical cheques. This 9-digit code helps in
identifying the bank and branch during the Cheque Truncation System (CTS) cycle, making clearing
faster and error-free.
Bank Holidays & Availability
The State Bank of India in GANAGANUR typically follows the RBI holiday calendar. Digital transfers via SBIN0040474 for NEFT/RTGS are now available 365 days a year, regardless of physical branch timings or Sunday closures.
Security Warning & Verification
Always verify the branch details before making a large payment. While SBIN0040474 is the valid code for NAVILUR at GANAGANUR, ensure the beneficiary name matches perfectly in your mobile banking app.
Bank Search Indexing & Metadata
Related Searches
- • State Bank of India Branch List
- • GANAGANUR IFSC Codes
- • Swift Code for State Bank of India
- • Bank Holiday in KARNATAKA
Financial Tools
- • GST Calculator Online
- • Personal Loan EMI Calc
- • FD Interest Rates 2026
- • Currency Converter
Branch Context
- • NAVILUR Contact
- • Address of State Bank of India
- • MICR Code Finder
- • KARNATAKA Banking Circle
Platform Links
- • Anand Design DevBox
- • SEO Performance Hub
- • Webmaster Tools
- • IFSC Finder v2.0
INDEXING TAGS: State Bank of India SBIN0040474 code, find NAVILUR branch details, State Bank of India GANAGANUR contact number, KARNATAKA bank ifsc list, anand design banking suite, ifsc finder 2026, free bank branch locator, micr code for State Bank of India GANAGANUR, online neft rtgs imps guide india, how to find ifsc code of State Bank of India.